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Esthetician Liability Insurance 

An Esthetician applies special treatment to a patient's face 

Estheticians provide skincare treatments that help clients look and feel their best. While most esthetic services are considered low-risk, certain advanced treatments—especially those involving medical-grade devices or techniques—can blur the line between beauty and medicine. Without proper insurance, even a minor burn, infection, or allergic reaction can lead to expensive claims and reputational damage.

Homewood helps estheticians, medspas, and skincare professionals secure the right combination of General Liability (GL) and Professional Liability (PL) coverage. Whether you offer basic facials and peels or operate in a medical spa setting under physician supervision, our team structures policies that align with your scope of practice, licensure, and client volume.

This page explains the following:

Get a Free Quote Now

The fastest way to find the most suitable insurance coverage for estheticians is to fill out our quick quote form, so we can give you an idea of the type of insurance coverage that best suits you.

Homewood Insurance works with a number of different carriers to ensure you have the most suitable insurance coverage at the best price.

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Malpractice Insurance for Estheticians can include:

  • Professional skincare and beauty services including facials, exfoliation, waxing, and superficial chemical peels.
  • Protection against client injury, allergic reaction, infection, or burns caused by products or devices.
  • Coverage for staff and independent contractors performing services under your business name.
  • Optional extensions for advanced non-invasive procedures such as microneedling (≤0.3 mm), dermaplaning, or LED therapy.
  • Defense for allegations involving improper sanitation, inadequate consent, or failure to meet professional standards.

Esthetician Liability Insurance can include:

Malpractice or liability insurance can provide essential protection against these risks:

  1. Professional Liability (Malpractice) Insurance

Professional Liability (often called “malpractice” or “errors and omissions”) protects you against claims that your professional skincare services caused injury, irritation, or dissatisfaction.
    1. Protection for standard esthetic services such as facials, exfoliation, superficial chemical peels, LED treatments, and waxing.
    2. Coverage for client reactions including burns, infections, rashes, or pigmentation issues.
    3. Defense against allegations of negligence, improper product use, or lack of informed consent.
    4. Optional extensions for advanced treatments such as microneedling (≤0.3 mm), dermaplaning, and light resurfacing.
    5. Legal protection for claims arising from product reactions, allergic responses, or sanitation disputes.
    6. Optional coverage for medical director oversight and shared liability in medspa settings.
    7. Limits up to $1 million per claim / $3 million aggregate, with riders available for Class II–III device use when permitted by license and state law.

  2. General Liability Insurance

General Liability insurance protects you from claims that occur as part of your daily business operations but are unrelated to your actual skincare services. 

    1. Bodily injury protection for client or visitor accidents, such as slips, falls, or reactions to non-invasive products.
    2. Property damage coverage for accidental damage to a client’s belongings or rented workspace.
    3. Coverage for business activities like consultations, product sales, or mobile spa services.
    4. Legal defense for claims involving advertising, social media, or reputational injury.
    5. Optional extensions for mobile or home-based esthetic services.
    6. Limits typically $1 million per occurrence / $3 million aggregate, with umbrella options for growing spas or franchise operations.

This policy ensures that everyday operational risks don’t put your business at financial risk.

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The Cost of Liability Insurance for Estheticians:

The cost of esthetician insurance varies based on the procedures you perform, your licensing, and the level of medical supervision.

Typical annual premiums (for $1M / $3M limits):

  • Basic Facials, Waxing, and LED Treatments: $800–$1,800
  • Superficial Peels and Exfoliation: $1,200–$2,500
  • Microneedling (≤0.3 mm) or Dermaplaning: $2,000–$4,000
  • RF Microneedling or Energy-Based Devices (MD Oversight): $4,500–$9,000
  • Injectables or Prescription Procedures: Declined or $15,000+ (classified as medical)

Key pricing factors:

  • Type and invasiveness of treatments performed.
  • Licensing and certification (esthetician vs. RN or PA).
  • Use of energy-based or FDA-regulated devices.
  • Physician supervision and written protocols.
  • Past claims or board disciplinary actions.
  • Location and local scope-of-practice laws.
Homewood helps estheticians compare policies from top carriers, ensuring your coverage matches both your state license and professional services.

 

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Why Estheticians need insurance

Even non-invasive beauty treatments carry liability exposure. A single client complaint—whether justified or not—can lead to costly legal defense or settlement. Comprehensive insurance protects against these risks, helping estheticians focus on client care without fear of financial ruin.

Common risks include:

  • Allergic reactions or burns from peels, waxing, or light therapies.
  • Infection or scarring due to inadequate sanitation or post-procedure care.
  • Pigmentation changes or irritation from chemical agents or devices.
  • Slip-and-fall incidents within treatment rooms or waiting areas.
  • Miscommunication or unrealistic expectations leading to dissatisfaction claims.
  • Advertising or social media disputes over before-and-after imagery.

Insurance ensures these risks are covered—protecting your income, license, and client relationships.

MedPro Group
Core Specialty
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Travelers Insurance
CFC Underwriting
Applied Underwriters
Tokyo Marine Insurance Group
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AIG Insurance
Ironshore
Strategic Comp
MagMutual
Genstar
Beazley
Empro Insurance
Great American Insurance
Skyward Specialty Insurance
Hudson Insurance Group
Huntersure Insurance
MIG Insurance
Kinsale Insurance

High-Risk Procedures and their Impact on your Premiums

Procedure Category Why It Raises Risk Insurance Impact
Microneedling (>0.5 mm depth) Penetrates live dermal tissue, increasing risk of scarring, bleeding, or infection; often exceeds esthetician scope of practice. Usually declined unless under physician supervision; +100–200% premium if accepted with oversight.
Medium-Depth Chemical Peels (TCA >15%) Risk of burns, pigmentation changes, and infection; considered medical-grade treatment. Excluded from most esthetic policies; covered only under medical spa or MD policy.
Laser or Energy-Based Devices Thermal injury, burns, or hyperpigmentation; FDA-regulated devices require medical oversight. Requires laser endorsement; +150–300% premium; LSO certification mandatory.
Injectables (Botox, Fillers, Sclerotherapy) Vascular occlusion, blindness, and anaphylaxis; strictly medical procedures outside esthetician scope. Automatically declined; must be covered under physician’s malpractice policy.
Permanent Makeup / Microblading Bloodborne pathogen exposure and pigment reactions; regulated as tattooing in many states. +50–100% surcharge; requires bloodborne pathogen and spore-testing compliance.
IV Therapy or Vitamin Injections Requires vascular access and medical licensure; risk of infection or embolism. Always declined for estheticians; must be handled by licensed medical professionals.

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Other types of Insurance Estheticians may need

 
General Liability Insurance

General Liability Insurance

General Liability covers medical expenses and attorney fees which result from bodily injuries and property damage that your facility or organization could be legally responsible for.
 
 
Business owner's policy (BOP insurance)

Business owner's policy (BOP) insurance

A Business Owner’s Policy (BOP) is a comprehensive insurance package designed for Medical Professionals with small to medium-sized businesses. It provides a blend of liability protection and property insurance.
 
 
Professional Liability Insurance

Professional Liability Insurance

Professional Liability Insurance overs any negligence or mistakes made by the individual estheticians during their practice. It differs from General Liability insurance, which covers the practice itself. 
 
 
Commercial Auto Insurance

Commercial Auto Insurance

This is relevant for surgeons who use a vehicle for practice-related tasks. This insurance covers you against auto accidents, theft, and other vehicle-related incidents.
 
 
workers compensation insurance

Workers Compensation Insurance

Workers Compensation Insurance is usually mandated by law. It protects Medical Spa practices and employees in case of work-related injuries or illnesses.
 
 
Cyber Liability Insurance

Cyber Liability Insurance

Covers you against financial losses associated with data breaches, cyber attacks, and other cyber incidents. Insurers will usually conduct rigorous testing of your online system to fix vulnerabilities as part of this policy.
 

Why Work With Homewood

  • Industry expertise: We insure estheticians, medspas, and beauty professionals nationwide—whether independent or part of physician-led practices.
  • Access to top carriers: Including Hiscox, Philadelphia, MedPro, and Travelers—all offering tailored GL/PL coverage for skincare services.
  • Scope-based protection: We match your policy to your license and treatments, so you stay fully compliant with state boards and insurers.
  • Flexible options: Add energy-device riders, medspa endorsements, or physician extensions as your practice expands.
  • Risk management guidance: Assistance with consent forms, documentation, and safety protocols to reduce claim exposure.
  • Renewal tracking: We monitor market changes, ensuring your coverage stays current as aesthetic technology evolves.

Call 947-274-3093 or
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Ralph Schiller

Ralph Schiller

Ralph specializes in sourcing the most suitable insurance for Estheticians at the best price. You can call him or fill out the form and he will get your message directly.